Depression treatment
Depression treatment is eligible for HSA, FSA, and HRA when it is for a diagnosed medical condition and provided by a licensed medical professional.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The treatment must be for a diagnosed medical condition (depression) by a licensed healthcare provider.
Quick Reference
The IRS defines medical care expenses as amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body. Treatment for depression, a recognized medical condition, falls under this definition when prescribed or administered by a licensed medical professional.
When It Qualifies
- •Treatment must be for a diagnosed medical condition (depression).
- •Services must be provided by a licensed medical professional (e.g., psychiatrist, psychologist, therapist, medical doctor).
- •Medications must be prescribed by a licensed medical professional.
When It Doesn't
- •Treatments solely for general well-being or 'stress relief' without a diagnosed medical condition.
- •Non-medical interventions or self-help programs not overseen by a medical professional.
- •Costs for services or products that are not primarily for medical care.
Similar Items
Official Source
IRS Publication 502
What Are Medical Expenses?
View on IRS.gov
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While generally eligible, specific plan administrators may have their own substantiation requirements. Always retain detailed receipts and documentation, such as a Letter of Medical Necessity or a doctor's note, to prove the medical necessity of the expense. This information is for educational purposes only and not tax or legal advice.